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Asking for a family heirloom is one of the most delicate questions that you can pose to an aging relative. After all, the question implies that you're already contemplating a time when he or she isn't around. And no matter how pure your motives may be, it's hard not to sound greedy.

Maybe this is why so many of us never get around to expressing our desire for certain items we'd like to inherit. But difficult as the question may be, the alternative to asking may be far worse. If you don't inherit what you want, you may stew with resentment for years. It's not uncommon for family members to become deeply estranged over the distribution of a family estate.

So, put aside your qualms and muster up the courage to ask for the antique diamond ring that's shimmering on your grandma's finger. She may say no, but at least you'll have asked. Read on to find out how to make the dreaded bequest request with care and tact.